康奈尔大学经济学家埃斯瓦尔·普拉萨德回顾了数位金融的演变，指出他过去对去中心化金融将颠覆传统机构的预测并未完全实现。相反地，目前最成功的区块链形式是中心化的（如稳定币），且他对各国央行数位货币的态度转向担忧，害怕其被政府用作控制社会和经济的工具。

为了帮助人们理解货币的未来走向，普拉萨德推荐了五本著作。前两部包括比特币创始人中本聪的《比特币白皮书》，它既是技术论文也是新金融秩序的宣言；以及以太坊共同创始人维塔利克·布特林的《权益证明》，深入探讨了去中心化金融的社会目的与必要防护栏。

另外三本推荐读物分别是迈克尔·刘易斯描写FTX创始人兴衰的《走向无限》、巴里·艾肯格林研究跨境货币历史的《超越国界的货币》，以及阿里·朱尔斯撰写的密码学惊悚小说《神谕》，这些作品从不同维度探讨了金融创新背后的人性与科技冲突。

Cornell University economist Eswar Prasad reflects on the evolution of digital finance, noting that his past predictions about decentralized finance upending traditional institutions have not fully materialized. Instead, the most successful blockchain implementations have been centralized (like stablecoins), and his view on central bank digital currencies (CBDCs) has shifted toward concern over governments using them as tools for social and economic control.

To help people understand the future direction of money, Prasad recommends five essential writings. The first two include Satoshi Nakamoto's "Bitcoin white paper," which serves as both a technical paper and a manifesto for a new financial order, and Vitalik Buterin's "Proof of Stake," which explores the conceptual aspects, social purposes, and necessary guardrails of decentralized finance.

The remaining three recommendations consist of Michael Lewis's "Going Infinite" detailing the rise and fall of FTX's founder, Barry Eichengreen's "Money Beyond Borders" examining the history of cross-border currency dominance, and Ari Juels's cryptographic thriller novel "The Oracle," with each work exploring the human and technological dynamics behind financial innovation from different angles.